🏦Bank Scorer

COMMERCIAL STATE BANK

REPUBLICAN CITY, NE · Supervised by FDIC

Est. 1903FDIC #1,986RSSD: FDIC-1986
Part ofCOMMERCIAL ST HOLDING CO INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.47%

Institution Profile

FDIC BankFind

Address

20 Circle Dr, REPUBLICAN CITY, NE

County

Harlan County

Established

January 1, 1903

Total Assets

$73M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$73M

Total Deposits

$51M

Net Loans

$19M

Net Income

$272K

ROA

1.47%

ROE

5.65%

Risk-Based Capital

37.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$51M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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